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Fintech Startup List & Category (NIKKEI FINTECH)

The following startup list was provided by "Nikkei FinTech database 2017-2018 publication (Nikkei BP company)" and translated by Fintech Association of Japan(FAJ). Some members of Fintech Association of Japan(FAJ) are included. (These information are as of the end of March 2017.)Please click here for content corrections and updates.

1
BearTail

BearTail operates an automated financial management service, Dr. Wallet, and another wholly automated expense report service, Dr. Expense Settlement. Dr. Wallet is a service to track personal finances by taking photos of receipts with smartphones. Since the receipts taken will be entered by operators, the accuracy of the information is extremely high. As it also collaborates with financial institutions, it is possible that a bank statement can be downloaded to the service. Additionally, it has functionality that enables it to calculate fares by entering train station's names. Both services are designed to ensure privacy, as operators for both can not discover any personal information.

2
Money Smart

MoneySmart provides a free asset management tool for individuals, Money Smart, and a paid version called Money Tron+. No other financial institution provides an account aggregation that can automatically collect settlement data. A notable feature of Money Smart is that it can display the context of expenses, in particular, who the user is paying. While using Money Smart, users can experience using money in a fun way. The company made a business alliance with Mizuho Bank and Nomura Research Institute, and developed an application for Apple Watch called Mizuho Direct. By touching the icons, users can choose to receive notifications for the account balance, bank transfers, and money transfers. The company was chosen for the third cohort of the Docomo Innovation Village, held by Docomo Ventures, as well as awarded the Tokyo Marine & Nichido System Co., Ltd. special prize at the NRI Hackathon @CEATEC JAPAN 2015 in October 2015.

4
Zaim Inc.

Zaim provides a household account book app, which is the most downloaded app of its type in Japan, having been installed by 6.5 million users. It has a receipt reading function where users simply take photos of receipts, which are automatically read in the app, distinguishing it from existing household account book apps. From January 2016, the company started providing, “Watashi no Kyufukin (My benefit plan), Efinding potential benefits by registering residence and household structure for premium members. In the same year, the company added new services for loans and an insurance simulation to the app.

5
Smart Idea, Inc.

Smart Idea provides a recording service, Okanereko, enabling users to record expenses within 2 seconds. Since August 2012, when the service was released, there have been over 3,300,000 registered users. The company aims to provide ideas in order to create an environment where people throughout the world will be enriched by the convenience of their product, and are planning to expand their business overseas. The service provides support in multiple languages, including English, Chinese (simplified and traditional), French, and Spanish. There is no accounting aggregation function that automatically learns information about bank accounts and credit card payments, it is, rather, only specialized on its specific use within a single submission and price amount.

Money Tree provides several services, an asset management app, Moneytree, that sends push notifications to corporate devices and emails to let corporations know about vital trades; Moneytree PRO, which sorts items from bank statements that need to be counted as a business expense; and MT Link, a data aggregation API that links with a bill of receipt. Moneytree was not only chosen as a Best App by Apple Inc. 2 years in a row, but was also chosen for MasterCard Path by MasterCard. The company is collaborating with several companies such as Receeip, Yayoi series, and A-SaaS, as well as working with IBM in Japan on a new API. In September 2016, the company released an iMessage app, called Warikan (which means split bill in Japanese).

Money Forward provides an asset management tool for individuals, and a cloud accounting tool for corporations. The company was funded with approximately JPY 4.2 billion by VC, local banks, mega banks, and major department stores. As of September 2016, the PFM service, "Money Forward," operated by the company, exceeded 4,000,000 users. In the past, the company also provided "Money Forward X," to a few online banking services, large banks, and local banks.